With the number of natural disasters that have occurred recently worldwide we as insurance agents within this county felt the need to provide a general bulletin.
Your home is one of your greatest assets. Please take the time to review your homeowner's coverage. Most insurance carriers do not cover flood and/or earthquake coverage as part of the standard homeowner policy. That coverage is purchased separately at an additional expense.
Ask your agent exactly what your policy covers and determine what is best for you, so you are covered in the event of a natural disaster.
As agents, we are committed to providing the highest quality of service and coverage we can at a premium you can afford. Though price is very important, it should not be the determining factor in choosing protection for you and your family. Ask for an annual review of your policies to make sure you are covered in the unexpected event of a tragedy.
In your annual review, take the time to learn what insurance does and does not protect against. A few things you may want to ask your agent about but are not limited to are: uninsured and underinsured coverage, Personal Injury Protection, are you protected if your pet or animal hurts someone, liability limits, rental car coverage, towing, gap coverage, outbuilding coverage, deductibles, farm liability and so on. Insurance can be difficult to comprehend, that is why we ask you to take a hands-on approach to learning about your own risk tolerances and work with your agent to find the policy that fits your risks, needs, and affordability.
As your local insurance professionals, and in an effort to reach as many people as possible, we are taking this proactive approach to assist our valued customers and help the community understand the issues so they can make a well informed decision about their insurance needs.